Can you use your electric blanket to pre-heat the bed? Suppose that still leaves you with the chilly at 4am issues though...

Oh! I have seen somewhere...electric blankets that warm your feet! Not sure if they're just for feet, or if they're electric blankets that have a feet setting. That might be okay, right? Because bub sleeps up the top near your heads, so there's no issue of overheating bub then...

All the best with figuring something out, it's getting COLD these nights isn't it!!